Second Home Insurance
Property insurance can be a complex matter, particularly when insuring a second home, which is why it’s so important to deal with an experienced broker and ensure you have the correct level of cover in place.
What is considered a ‘second home’?
A second home is a term that is used to describe a property that is not your main place of residence, but it is a property that you still visit regularly and do not let out. Many people think that a second home and a holiday home are the same thing; however this is not the case.
A second home must be visited fairly frequently cannot be used for holiday purposes, otherwise it will be considered by insurers as a holiday home.
Ensure Your Holiday Home or Second Residence Is Covered
Whatever the nature of your second home, whether it is a holiday home, second residence, or let to others, whether a period or Listed property, we have access to all the leading insurers and specialist providers and can provide just the level of cover you require.
Insure Your Second Residence When You’re Not There
We can ensure your property is fully protected not only when you are in residence, but also during the times when it’s empty. As required, we can provide tailored cover for buildings, contents and personal possessions, protecting against such risks as fire, flood, storm and theft.
Your policy can also include such extras as glass and sanitary fittings, main services, accidental loss or damage, alternative accommodation, loss of rent, trace and access, emergency entry, garden, family legal protection, occupiers and personal liability, pedal cycles, pest cover, freezer contents and home emergency cover.
Personalised Insurance Policies for a Second Home
We will be pleased to advise, based on your type of property, property law in the country where it is located and your individual requirements.